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In 2022, Florida’s insurance market was on life support. Carriers were pulling back, rates were accelerating, and coverage options were shrinking. For homeowners and business owners, stability felt harder to find with every renewal. That was the moment our industry had a choice. We could react to the chaos, or we could step forward and advocate […]

If you purchased a home in Florida in 2025 and plan to make it your primary residence, there is one critical step many homeowners overlook, especially buyers of luxury or high value homes. That step is filing for your Florida Homestead Exemption. Missing it can cost you thousands in unnecessary property taxes, particularly if you

Choosing an insurance carrier in Florida is not just about price. It is about confidence. Homeowners want to know their carrier understands Florida risk, has been here before, and will still be here after the next storm.  That is where Tower Hill Insurance stands apart.  For more than 50 years, Tower Hill has focused on one thing: protecting Florida homes through changing

Insurance is not a feel-good product. Most people interact with their insurance company only when something goes wrong, a rate increases, or a renewal arrives. Unlike retail or hospitality, customers do not expect to love their insurance company. At best, they hope to feel confident that coverage will work and that the company behind it will be there

If you have ever received a notice from your insurance carrier labeled as an audit requesting payroll records, revenue reports, or vehicle usage details, you are not alone. While audits can sometimes feel inconvenient or even alarming, they are a normal and increasingly common part of today’s commercial insurance landscape.  Understanding why audits take place,

As we close the books on the 2025 hurricane season, one word comes to mind: fortunate.  After nearly 20 years in the insurance industry and more than a decade as the owner of an independent insurance agency here in Florida, I do not take a quiet hurricane season lightly. Anyone who has lived and worked through multiple

In March 2023, Florida enacted one of the most transformative civil justice reform packages in the nation through House Bill 837. At a moment when litigation costs were crippling insurers, destabilizing markets, and driving premiums to some of the highest levels in the country, Florida lawmakers took decisive action that is now producing measurable progress

We are proud to share some exciting news. Ricci Insurance Group has been named one of Jacksonville’s Best Places to Work, ranking #7 in our employee size category with an outstanding score of 96.39 on this year’s Jacksonville Business Journal Best Places to Work list. This recognition carries special meaning because it is based entirely

If you are a business owner in Florida, especially one managing commercial insurance, compliance, or multiple business entities, you may start receiving emails about your upcoming Florida Annual Report filing. Some of these messages appear very official and reference the Florida Department of State or SunBiz. Here is the important reminder. These emails are not

If you ask almost any Florida business owner what insurance line has caused the most stress this year, one answer rises to the top every time: commercial auto insurance. Whether you operate a contractor fleet, run deliveries, transport employees, or simply need a vehicle to get to job sites, the pressure is real. Rates across